The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$36,536
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,672
−HK$1,155/mo
Today · 4.125%
HK$38,827
baseline
▲ 0.50% · 4.625%
HK$41,190
+HK$2,363/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,654/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,646
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,736
−HK$1,106/mo
Today · 4.125%
HK$42,842
baseline
▲ 0.50% · 4.625%
HK$45,100
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,684/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,843
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,207
−HK$1,385/mo
Today · 4.125%
HK$46,592
baseline
▲ 0.50% · 4.625%
HK$49,427
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,184/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,775
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,083
−HK$1,327/mo
Today · 4.125%
HK$51,410
baseline
▲ 0.50% · 4.625%
HK$54,120
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,820/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,150
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,741
−HK$1,617/mo
Today · 4.125%
HK$54,358
baseline
▲ 0.50% · 4.625%
HK$57,665
+HK$3,307/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,716/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,904
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,430
−HK$1,548/mo
Today · 4.125%
HK$59,978
baseline
▲ 0.50% · 4.625%
HK$63,140
+HK$3,162/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,956/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,765
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,810
−HK$2,079/mo
Today · 4.125%
HK$69,889
baseline
▲ 0.50% · 4.625%
HK$74,141
+HK$4,252/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,778/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,162
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,125
−HK$1,990/mo
Today · 4.125%
HK$77,115
baseline
▲ 0.50% · 4.625%
HK$81,180
+HK$4,065/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,230/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,852 · Scale 2, in force from 26 Feb 2026)